Federal credit union · Rochester, New York · NCUA charter #16236
Gates Chili
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $30.5M
- Total assets
- 2,219
- Members
- 7.3%
- Net-worth ratio
Gates Chili scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.5M; members 2,219; net-worth ratio 7.33%; health rank #3,032 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,032 of 4,374 health · 2025Q4Gates Chili · health 78/100 · $30.5M · 2025Q4
Call Report peers
Gates Chili in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gates Chili vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gates Chili sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Gates Chili: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.42 pp (0.73% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 46.83% here, 59.80% peer average (-12.97 pp).
Gates Chili: in-state Call Report ranks
- New York health ordinal: #172 of 272.
- By total assets, Gates Chili is #164 of 272 in New York.
- Membership ranks #167 of 272 among New York CUs with a reported count (2,219 members).
- One place up in New York, Tompkins Employees (#171) ties at 78/100; one place down, Utica District Telephone Employees (#173) scores 77/100, 1 point lower.
Quarter path for Gates Chili
Gates Chili: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $30.5M (2025Q4) to $31.4M (2026Q1).
- Net-worth ratio shifted -0.08 pp (7.41% → 7.33%).
At 7.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Gates Chili gives up 22 points in total. Net Worth Ratio costs the most, 6.7 of its 30; Return on Assets loses the least, 2.2.
- Net Worth Ratio 23.3 pts
- Delinquency Rate 22.7 pts
- Return on Assets 12.8 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 10.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.33% | -7.53 pp |
| Delinquency Rate | 0.73% | -0.42 pp |
| Return on Assets | 0.35% | -0.35 pp |
| Member Growth | 0.09% | - |
| Loan-to-Share Ratio | 46.83% | -12.97 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Gates Chili filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.4M | - |
| 2025Q4 | $30.5M | 2,219 |
| 2024Q4 | $30.0M | 2,217 |
| 2023Q4 | $30.9M | 1,954 |
Credit Union Details
- Charter Number
- 16236
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Rochester
- Data Quarter
- 2025Q4
Branch Location
Gates Chili operates a single office in Rochester, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Rochester, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Gates Chili nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Gates Chili ranks #3,032 of 4,374 nationally on financial health and #172 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gowanda Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gowanda Area
Frequently Asked Questions
Is Gates Chili financially healthy?
On its 2025Q4 NCUA 5300 filing, Gates Chili scores 78/100 (Very Good), with a 7.33% net worth ratio and 0.73% of loans delinquent. It ranks #3,032 of 4,374 nationally on health and #172 of 272 in New York.
How does Gates Chili compare to other credit unions?
Gates Chili scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.73% vs 1.15%). Its widest shortfall is loan-to-share ratio (46.83% vs 59.80%).
How can I join Gates Chili?
Gates Chili operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Gates Chili directly for the exact boundaries and application steps.
Is my money safe at Gates Chili?
Gates Chili is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Gates Chili's net worth ratio of 7.33% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.